Welcome, on this website you will learn about Oklahoma Medicare and Oklahoma Medicare supplemental insurance. Our goal is to provide you with the knowledge needed to choose a Medicare supplement plan that best meets your needs at the lowest price available.
|Is Medicare supplement Plan F right for you?
What exactly is Oklahoma Medicare?
Oklahoma Medicare is merely Medicare run in the state of Oklahoma. Medicare is the country’s health insurance program for individuals age 65 or older. Some people younger than age 65 can qualify for Medicare if they have specific disabilities. The program helps pay for the cost of healthcare, but it fails to cover all medical expenses as well as the cost of most long-term care.
When should you apply for Oklahoma Medicare?
For those that are not currently getting retirement benefits you will want to contact Social Security around three months prior to your 65th birthday to join Medicare. You may sign up for Medicare even when you do not plan to retire at age 65. Click here to go to the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers a portion of your medical expenses once you have been admitted into a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 each day for days 61-90 hospital room and board, $578 per day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 per day for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical expenses for doctor services, some preventive services and various medical services and supplies that are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs for the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services to include doctor service while as a hospital patient, 40% outpatient mental healthcare, any excess charges (some doctors may charge up to 15% above what Medicare authorizes)
Though Medicare covers a large part of your Medical expenses there are lots of gaps left where you will pay. These gaps can certainly deplete a person’s financial resources. A Oklahoma Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very reasonably priced for most people.
Oklahoma Medicare supplement insurance plans are provided by private insurance companies. The federal government has standardized all of these plans. This means that all plans identified by the same letter provide the exact same coverage regardless of whether you obtain your insurance from New Era, Gerber, Sterling, AARP or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
Oklahoma Medicare supplement plan F: This is easily the most common and comprehensive plan. It covers all of the gaps left both in Medicare Part A and Part B.
Oklahoma Medicare supplement plan G: This plan is just about the same as Medicare supplement plan F except for not covering the yearly Medicare Part B deductible. For many this plan is often the best option when you don’t mind paying the yearly deductible as opposed to the often more expensive monthly premiums for Medicare supplement plan F.
Oklahoma Medicare supplement plan N: Unlike Medicare supplement plan F this plan contains a bit of cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for lower monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while adding the freedom and security of a Medicare supplement plan.
There are many different insurance companies offering Oklahoma Medicare supplement plans and the rates can vary greatly from company to company. Many who do not use the services of an independent agent end up paying over 40-50% extra for insurance! It is a shame because getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.